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Personal Loan in UAE

Top personal loan offers for your needs.

Personal Loans in Dubai up to 20 times of salary

Monthly Installment as low as 300 AED

Interest rate starting from 2.79 %

★ ★ ★ ★ ★ Average Rating 4.5 / 5 (12654 reviews )

Hey! Is your salary less than AED 8000?

Do not worry, we have options for you as well.

What is Personal Loan?

A personal Loan is a loan taken by an individual to fulfil financial emergencies or any personal expenses. It’s an unsecured loan i.e. lacks collateral. It is provided by an entity (Bank or Financial Institution) to another entity at an interest rate and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment.

Personal Loans in UAE

Applying for a Personal Loan in UAE to fulfill your urgent financial requirements isn’t that difficult but you might face problems if you are applying for the first time. You might get confused in selecting the right institution for Personal Loan which offers you the lowest interest rates and is best for you.

Gulf Finance helps you to fetch all the important information that you need to get a Personal Loan, at one place. Easily apply for Salary Transfer, Non-Salary Transfer or Buyout Loans in Dubai. All you need to do is to fill your details in the Personal Loan application form on the website and Bankers from all major banks will contact you instantly to assist you with your application. Get a quote for Personal Loans in 60 minutes!

The maximum loan amount as a personal loan can be availed up to 20 times of your monthly salary with a repayment tenure option of up to 48 months. Any salaried or self-employed individual can apply for personal loans in UAE.

Top Personal Loans in UAE

Lender	Interest Rate	Min. Salary	Tenure	Islamic Finance
	6.49% Reducing Rate	AED 7000 Min. Salary	6 - 48 Months Available Terms	No	Apply Now Expand Details
Mashreq Debt Consolidation Loan Top reasons to choose Discover an efficient way to repay your loans Combine your debts into one personal loan and save on interest repayments. Lower collective payments on the debt consolidation 1st EMI deferral period up to 90 days Save more money on reduced interest payment Minimum Salary AED 7000 Interest Rate 6.49% Reducing Salary Transfer Required Features Documents Required Sample Features Lower monthly payments Increased disposable income Reduced interest payments over lifecycle Higher Loan amount: – AED 1 Million for Expats and AED 3 Million for UAE Nationals Documents Required Last 3 months bank statement with salary credit Salary Transfer Letter as per Mashreq format Or Salary Cert. for Govt./ Semi Govt. employees Passport Copy with Valid residence visa Valid Emirates ID Sample Request Quote Now Name E-Mail Phone Emirate Company Salary Mashreq Debt Consolidation Loan Top reasons to choose Discover an efficient way to repay your loans Combine your debts into one personal loan and save on interest repayments. Lower collective payments on the debt consolidation 1st EMI deferral period up to 90 days Save more money on reduced interest payment Features Documents Required Sample Features Lower monthly payments Increased disposable income Reduced interest payments over lifecycle Higher Loan amount: – AED 1 Million for Expats and AED 3 Million for UAE Nationals Documents Required Last 3 months bank statement with salary credit Salary Transfer Letter as per Mashreq format Or Salary Cert. for Govt./ Semi Govt. employees Passport Copy with Valid residence visa Valid Emirates ID Sample
	11.33% Reducing Rate	AED 10000 Min. Salary	6 - 48 Months Available Terms	No	Apply Now Expand Details
ADCB Personal Loan Top reasons to choose A customized solution that suits your ambitions with ADCB Loans Attractive personal loan amounts up to AED 2 Million Competitive interest rates Minimum documentation Fleximble repayment terms Quick and seamless processing Minimum Salary AED 10,000 Interest Rate 11.33% Reducing Salary Transfer Required Features Documents Required Sample Features Highest salary multiples Longest repayment periods Low interest rates Consolidation of loans available Simple documentation Credit Life Insurance Free ADCB Credit Card Plus up to 2 times salary overdraft Documents Required Completed Application Form Valid Passport, Visa and EID card copy Last 3 months banks statements copy Salary Certificate issued to ADCB, dated 30 days or less from date of loan application Salary transfer letter Details of existing loans/ liabilities Sample Request Quote Now Name E-Mail Phone Emirate Company Salary ADCB Personal Loan Top reasons to choose A customized solution that suits your ambitions with ADCB Loans Attractive personal loan amounts up to AED 2 Million Competitive interest rates Minimum documentation Fleximble repayment terms Quick and seamless processing Features Documents Required Sample Features Highest salary multiples Longest repayment periods Low interest rates Consolidation of loans available Simple documentation Credit Life Insurance Free ADCB Credit Card Plus up to 2 times salary overdraft Documents Required Completed Application Form Valid Passport, Visa and EID card copy Last 3 months banks statements copy Salary Certificate issued to ADCB, dated 30 days or less from date of loan application Salary transfer letter Details of existing loans/ liabilities Sample
	6.75% Reducing Rate	AED 8000 Min. Salary	6 - 48 Months Available Terms	Yes	Apply Now Expand Details
ADIB Personal Finance Top reasons to choose ADIB constantly looks for ways to help you in your life through our Personal Finance solutions. Free pre-approved ADIB VISA Cashback Card for the first year First installment payment grace period up to 90 days Minimum Salary AED 8000 Interest Rate 6.75% Reducing Salary Transfer Required Features Documents Required Sample Features Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates. Competitive profit rates. Flexible repayment terms up to 48 months. Free pre-approved ADIB VISA Cashback Card for the first year First installment payment grace period up to 90 days Two free installments postponements every year Takaful cover protection with competitive rates Documents Required Original and copy of valid passport (with valid residence visa for expatriates). Original and copy of valid Emirates ID. Fresh salary transfer letter / Salary certificate addressed to ADIB. Three months bank statement (if salary not credited to ADIB). Sample Request Quote Now Name E-Mail Phone Emirate Company Salary ADIB Personal Finance Top reasons to choose ADIB constantly looks for ways to help you in your life through our Personal Finance solutions. Free pre-approved ADIB VISA Cashback Card for the first year First installment payment grace period up to 90 days Features Documents Required Sample Features Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates. Competitive profit rates. Flexible repayment terms up to 48 months. Free pre-approved ADIB VISA Cashback Card for the first year First installment payment grace period up to 90 days Two free installments postponements every year Takaful cover protection with competitive rates Documents Required Original and copy of valid passport (with valid residence visa for expatriates). Original and copy of valid Emirates ID. Fresh salary transfer letter / Salary certificate addressed to ADIB. Three months bank statement (if salary not credited to ADIB). Sample
	11% Reducing Rate	AED 3000 Min. Salary	6 - 48 Months Available Terms	Yes	Apply Now Expand Details
DIB Personal Finance Top reasons to choose Personal finance decisions are best made when they’re simple, stress-free, and focused on you. High loan amounts Convenience of flexible finance With min. salary as low as AED 3000. T&C apply Minimum Salary AED 3000 Interest Rate 11% Reducing Salary Transfer Required Features Documents Required Sample Features Minimum salary requirement of AED 5,000 only Maximum tenure of 48 months High finance approvals for your personal finance needs Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates Documents Required Copy of Passport(with residence visa for expatriates) Copy of Emirates ID Salary and End of Service Benefit Transfer Letter/Certificate from the employer Statement of Account for minimum 3 months in case of salary transfer to another bank (6 months for self employed professionals/ businessmen) Copy of valid trade license (for self employed professionals/businessmen) Sample Apply Here if Salary less than 8k Name E-Mail Phone Emirate Company Salary DIB Personal Finance Top reasons to choose Personal finance decisions are best made when they’re simple, stress-free, and focused on you. High loan amounts Convenience of flexible finance With min. salary as low as AED 3000. T&C apply Features Documents Required Sample Features Minimum salary requirement of AED 5,000 only Maximum tenure of 48 months High finance approvals for your personal finance needs Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates Documents Required Copy of Passport(with residence visa for expatriates) Copy of Emirates ID Salary and End of Service Benefit Transfer Letter/Certificate from the employer Statement of Account for minimum 3 months in case of salary transfer to another bank (6 months for self employed professionals/ businessmen) Copy of valid trade license (for self employed professionals/businessmen) Sample
	10.86% Reducing Rate	AED 5000 Min. Salary	6-48 Months Available Terms	No	Apply Now Expand Details
RAK Bank Cash Loan (Non-salary transfer) Top reasons to choose Get a high Cash Loan amount with no salary transfer required at competitive interest rates, with RAK Bank Cash Loan Quick Approvals Competitive Interest Rates Easy does it ! Hassle-free loan takeovers from other banks Simple and Easy documentation Minimum Salary AED 5000 Interest Rate 10.86% Reducing Salary Transfer Not Required Features Documents Required Sample Features High Personal Loan amounts at low interest rates Quick approvals Competitive interest rates Flexible repayment periods of up to 48 months for expatriates and UAE nationals (60 months for Armed Forces Staff) Documents Required Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 470 at an effective interest rate of 13.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,540, The borrower would be paying AED 2,540 as interest. Please use Gulf Finance’s EMI Calculator for further details. Arrangement Fee: 1% of the finance amount Apply Here if Salary less than 8k Name E-Mail Phone Emirate Company Salary RAK Bank Cash Loan (Non-salary transfer) Top reasons to choose Get a high Cash Loan amount with no salary transfer required at competitive interest rates, with RAK Bank Cash Loan Quick Approvals Competitive Interest Rates Easy does it ! Hassle-free loan takeovers from other banks Simple and Easy documentation Features Documents Required Sample Features High Personal Loan amounts at low interest rates Quick approvals Competitive interest rates Flexible repayment periods of up to 48 months for expatriates and UAE nationals (60 months for Armed Forces Staff) Documents Required Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 470 at an effective interest rate of 13.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,540, The borrower would be paying AED 2,540 as interest. Please use Gulf Finance’s EMI Calculator for further details. Arrangement Fee: 1% of the finance amount
	8% Reducing Rate	AED 8000 Min. Salary	6-48 Months Available Terms	No	Apply Now Expand Details
Citibank Salary Transfer Loan Top reasons to choose Plan it your way. Apply for a Salary Transfer loan and pay 0% processing fees Approvals in 1 day Instant loan funding on final approval Low rates starting from 8% Minimum Salary AED 8000 Interest Rate 8% Reducing Salary Transfer Required Features Documents Required Sample Features Loans of up to AED 250,000 (Salary transfer to Citibank required) Loan amounts of up to 20 times of your salary Competitive interest rates Fast Approvals – in 1 day Instant loan funding upon final approval Tenors from 6 months up to 48 month Documents Required Salary transfer letter Last three months bank statements (with salary transfer) Minimum (fixed) monthly salary of only AED 8,000 Passport copy / Emirates ID Copy 6 months on the job or confirmed employment Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 479 at an effective interest rate of 6.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,987. The borrower would be paying AED 2,987 as interest. Please use Gulf Finance’s EMI Calculator for further details. Request Quote Now Name E-Mail Phone Emirate Company Salary Citibank Salary Transfer Loan Top reasons to choose Plan it your way. Apply for a Salary Transfer loan and pay 0% processing fees Approvals in 1 day Instant loan funding on final approval Low rates starting from 8% Features Documents Required Sample Features Loans of up to AED 250,000 (Salary transfer to Citibank required) Loan amounts of up to 20 times of your salary Competitive interest rates Fast Approvals – in 1 day Instant loan funding upon final approval Tenors from 6 months up to 48 month Documents Required Salary transfer letter Last three months bank statements (with salary transfer) Minimum (fixed) monthly salary of only AED 8,000 Passport copy / Emirates ID Copy 6 months on the job or confirmed employment Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 479 at an effective interest rate of 6.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,987. The borrower would be paying AED 2,987 as interest. Please use Gulf Finance’s EMI Calculator for further details.
	14% Reducing Rate	AED 8000 Min. Salary	6-48 Months Available Terms	No	Apply Now Expand Details
Citibank Personal Installment Loan Top reasons to choose Apply for a Personal Loan and get a decision in 10 minutes with with citibank personal installment loan No Salary transfer required Minimum Documentation Monthly installments starting from as low as AED 220 Apply with your ID only Get up to AED 1,250 in noon e-vouchers. T&C Apply Minimum Salary AED 8000 Interest Rate 14% Reducing Salary Transfer Not Required Features Documents Sample Features Loans of up to AED 175,000 (No salary transfer to Citibank required) Loans of up to 8 times your salary Competitive interest rates Fast Approvals – in 1 day Loan funding in 1 day Tenors from 6 months up to 48 month Documents Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 546 at an effective interest rate of 13.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED26,230, The borrower would be paying AED 6,230 as interest. Please use Gulf Finance’s EMI Calculator for further details. Processing Fee: 1% of Loan amount with min. AED 500 and up to a max. of AED 2,500 Request Quote Now Name E-Mail Phone Emirate Company Salary Citibank Personal Installment Loan Top reasons to choose Apply for a Personal Loan and get a decision in 10 minutes with citibank personal installment loan No Salary transfer required Minimum Documentation Monthly installments starting from as low as AED 220 Apply with your ID only Get up to AED 1,250 in noon e-vouchers. T&C Apply Features Documents Sample Features Loans of up to AED 175,000 (No salary transfer to Citibank required) Loans of up to 8 times your salary Competitive interest rates Fast Approvals – in 1 day Loan funding in 1 day Tenors from 6 months up to 48 month Documents Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 546 at an effective interest rate of 13.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED26,230, The borrower would be paying AED 6,230 as interest. Please use Gulf Finance’s EMI Calculator for further details. Processing Fee: 1% of Loan amount with min. AED 500 and up to a max. of AED 2,500
	19.99 % Reducing Rate	AED 5000 Min. Salary	6-48 Months Available Terms	No	Apply Now Expand Details
Deem Finance Personal Loan Top reasons to choose Deem Finance Personal loan comes with affordable installments. More peace of mind EMI can be as low as AED 305 per month for every 10,000 Easy and Hassle Free Process- Pre approval in 24 hours No Salary Transfer Required Minimum Salary AED 5000 Interest Rate 19.99% Reducing Salary Transfer Not Required Features Documents Required Sample Features Pay your installments automatically with the direct debit feature Deem Finance Personal Loan is protected with Credit Life Plus Pricing may vary depending on the facility and subject to credit approvals. Choose your payment date based on when you receive your salary Flexible repayment period to suit your needs Simple application process Free Credit Card Documents Required Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 609 at an effective interest rate of 19.99% per annum. The total repayment that would have been paid at the completion of the loan would be AED29,209. The borrower would be paying AED 9,209 as interest. Please use Gulf Finance’s EMI Calculator for further details. Processing Fee: 1% of the loan amount, minimum AED 500, maximum AED 2,500 Apply Here if Salary less than 8k Name E-Mail Phone Emirate Company Salary Deem Finance Personal Loan Top reasons to choose Deem Finance Personal loan comes with affordable installments. More peace of mind EMI can be as low as AED 305 per month for every 10,000 Easy and Hassle Free Process- Pre approval in 24 hours No Salary Transfer Required Features Documents Require Sample Features Pay your installments automatically with the direct debit feature Deem Finance Personal Loan is protected with Credit Life Plus Pricing may vary depending on the facility and subject to credit approvals. Choose your payment date based on when you receive your salary Flexible repayment period to suit your needs Simple application process Free Credit Card Documents Require Valid Emirates ID Valid Passport and Visa Bank Statement Payslip or Salary Certificate Additional documents as per need Sample If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 609 at an effective interest rate of 19.99% per annum. The total repayment that would have been paid at the completion of the loan would be AED29,209. The borrower would be paying AED 9,209 as interest. Please use Gulf Finance’s EMI Calculator for further details. Processing Fee: 1% of loan amount, minimum AED 500, maximum AED 2,500
	9.30% Reducing Rate	AED 7000 Min. Salary	6-48 Months Available Terms	No	Apply Now Expand Details
FAB Personal Loan for UAE Expats Top reasons to choose With FAB personal loan get high loan amounts at low-interest rates for your next personal venture. Attractive loan amounts up to AED 2 Million Competitive interest rates Minimum documentation Fleximble repayment terms Quick and seamless processing Minimum Salary AED 7000 Interest Rate 9.30% Reducing Salary Transfer Required Features Documents Require Example Features 90 day grace period until the first repayment FAB personal loan have most competitive rate in the market Loans of up to AED 2 million Flexible repayment terms Minimum documentation Fast-track approvals Comprehensive personal life insurance coverage Documents Require Copy of a valid passport/resident visa/Emirates ID (originals must also be presented) Bank statements for the last three months showing salary credits (if salary is not credited to a FAB account) Salary transfer letter/salary certificate addressed to FAB Liability letter or a clearance letter (in case of buyout loans) Application completed and signed by the customer Example If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 452 at an effective interest rate of 4.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,104. The borrower would be paying AED 2104 as interest. Please use Gulf Finance’s EMI Calculator for further details. Processing Fee: 1.05% of the finance amount. A minimum of AED 525 to a max of AED 2625. Apply Here if Salary less than 8k Name E-Mail Phone Emirate Company Salary FAB Personal Loan for UAE Expats Top reasons to choose With FAB personal loan get high loan amounts at low-interest rates for your next personal venture. Attractive loan amounts up to AED 2 Million Competitive interest rates Minimum documentation Fleximble repayment terms Quick and seamless processing Features Documents Require Example Features 90 day grace period until the first repayment FAB personal loan have most competitive rate in the market Loans of up to AED 2 million Flexible repayment terms Minimum documentation Fast-track approvals Comprehensive personal life insurance coverage Documents Require Copy of a valid passport/resident visa/Emirates ID (originals must also be presented) Bank statements for the last three months showing salary credits (if salary is not credited to a FAB account) Salary transfer letter/salary certificate addressed to FAB Liability letter or a clearance letter (in case of buyout loans) Application completed and signed by the customer Example If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 452 at an effective interest rate of 4.99% per annum. Total repayment that would have been paid at the completion of the loan would be AED22,104. The borrower would be paying AED 2104 as interest. Please use Soulwallet’s Loans EMI Calculator for further simulations. Processing Fee: 1.05% of the finance amount. A minimum of AED 525 to a max of AED 2625.